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Montgomery Bank

$1B-$10B Specialty: Commercial MO FDIC cert 8255

Designations: ✓ Community bank

Sikeston, MO

12 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits -0.9% year over year ($1.0B on the books).
  • Delinquency rate 0.45%.
  • Return on assets 1.63%.
  • Efficiency ratio 65.30% vs a 59.73% peer average.
  • Loan-to-deposit ratio 95.89% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

Montgomery Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.81% above tier average
  • + ROA 0.24% above tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.0% in tier
  • - Capital Thin: Bottom 21.6% in tier
  • - Efficiency Ratio 5.57% above tier average
Get updates when Montgomery Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $1.2B
+0.3% YoY -3.0% QoQ
-$1.6B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $983.7M
+0.3% YoY +1.5% QoQ
-$979.6M $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $1.0B
-0.9% YoY -5.0% QoQ
-$1.3B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.63%
+14.5% YoY +2.2% QoQ
+0.24% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 4.68%
+4.9% YoY +2.9% QoQ
+0.81% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 8.9% in tier
Efficiency Ratio ? 65.30%
-3.8% YoY -1.6% QoQ
+5.57% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.45%
+38.4% YoY +34.1% QoQ
-0.42% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 95.89%
+1.3% YoY +6.9% QoQ
+10.85% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 22.95%
+4.2% YoY +9.9% QoQ
+1.68% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 0.38%
+39.1% YoY +39.7% QoQ
-0.29% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 11.35%
+7.5% YoY -1.6% QoQ
-3.49% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.30%
-7.1% YoY +91.7% QoQ
-0.23% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 23.0%
+0.9pp YoY
+2.1pp QoQ
 +1.6pp 21.4% 20.9% 22.2% 64%
Brokered Deposits n/a n/a 9.5% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 13.8%
-0.7pp YoY
0.0pp QoQ
 -0.2pp 14.0% 12.3% 12.5% 63%
CRE 47.8%
+0.2pp YoY
0.0pp QoQ
 -2.2pp 50.0% 36.8% 41.4% 44%
1-4 Family 29.1%
-0.8pp YoY
-0.3pp QoQ
 +2.7pp 26.4% 31.9% 31.3% 64%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.1% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.8pp YoY
-0.2pp QoQ
 -4.2pp 15.6% 18.5% 19.7% 15%
Leverage Ratio 9.7%
+0.5pp YoY
+0.1pp QoQ
 -1.6pp 11.3% 11.6% 12.6% 28%
Total Capital Ratio 12.4%
+0.8pp YoY
-0.2pp QoQ
 -4.3pp 16.7% 19.6% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 212
+3 (+1.4%) YoY
+4 (+1.9%) QoQ
 -102 313 162 482 45%
Assets per Employee ($) $5.6M
-1.1% YoY
-4.8% QoQ
 -$4.9M $10.5M $8.0M $8.8M 8%
Branch Count 12
0 YoY
0 QoQ
 -8 20 10 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.5%
+0.1pp YoY
+0.1pp QoQ
 -0.4pp 0.8% 0.8% 1.0% 44%
Allowance Coverage 2.38x
-23.8% YoY
-26.6% QoQ
 -16.33x 18.71x 10.47x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 14.9%
+1.3pp YoY
+0.2pp QoQ
 +2.3pp 12.6% 14.3% 11.6% 72%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.8% 1.7% 16%
Net Income ($, YTD) $9.8M
+16.9% YoY
— QoQ
 -$9.4M $19.2M $11.3M $40.4M 38%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#48 of 361 • Bottom 13.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.89%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Thin

risk
#49 of 222 • Bottom 21.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.35%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

80
Net Interest Margin
profitability
Value: 4.68%
Peer Median: 3.87%
#80 of 885 Top 8.9% in $1B-$10B
215
Return on Assets
profitability
Value: 1.63%
Peer Median: 1.39%
#215 of 885 Top 24.2% in $1B-$10B

Top Weaknesses (4 metrics)

744
Total Assets
size
Value: $1.18B
Peer Median: $2.79B
#744 of 885 Bottom 16.0% in $1B-$10B
730
Total Deposits
size
Value: $1.03B
Peer Median: $2.32B
#730 of 885 Bottom 17.6% in $1B-$10B
682
Loan-to-Deposit Ratio
liquidity
Value: 95.89%
Peer Median: 85.04%
#682 of 885 Bottom 23.1% in $1B-$10B
679
Tier 1 Capital Ratio
capital
Value: 11.35%
Peer Median: 14.84%
#679 of 885 Bottom 23.4% in $1B-$10B
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